245 Commerce Ave, Saint Louis, MO 63122 Property Records

St. Louis County property record for 245 Commerce Ave, Saint Louis, MO 63122

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 672 sqft · built 1947
Lot Size	0.18 acres (7,841 sqft)
Owner	Company Name on Record
Last Sale	$227,696 (Oct 2024)
Tax Bill	$1,476 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24M-21-1220`

Property Details

APN / Parcel Number

Primary APN	`24M-21-1220`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	672 sqft Living Area
1st Floor Area	672 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1978
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	67 ft deep x 67 ft wide
Terrain	Above Road/Slope
Garage Type	Basement
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	108 sqft
Shed	1 Shed
Shed Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	245 COMMERCE AVE
City	SAINT LOUIS
State	MO
Zip	63122-6203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	CHESTER HEIGHTS LOTS 23 & 24 RESUB LOT 9
Legal Subdivision	CHESTER HEIGHTS LOTS 23 & 24 RESUB
Legal Lot Number	9
Jurisdiction	ST LOUIS MO
Township / Civil Division	BONHOMME
Census Block Group	2
Census Block	2009
Census Tract	218600

Owner

Source: St. Louis County records, as of October 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	6915 N CLASSEN BLVD, OKLAHOMA CITY, OK 73116-7209
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Feb 23, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage RANDALL MORGAN
Aug 24, 2021	Affidavit of Death of Joint Tenant, Transfer
Jan 27, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2024 · Amount on Record
Deed Sale	Oct 1, 2024 · Amount on Record
Prior Sale	Feb 23, 2022 · Amount on Record
Deed Document Number	2024543
Prior Transfer Date	Mar 13, 1997
Prior Transfer Doc	0000000796
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	245 COMMERCE AVE, SAINT LOUIS, MO 63122-6203
Transaction Type	Mortgage
Record Updated	Feb 15, 2024
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 COMMERCE AVE, SAINT LOUIS, MO 63122-6203

Mortgage

Document Number	2022062900011
Date	Jun 29, 2022
Instrument	2022062900011

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Feb 23, 2022
Property Address	245 COMMERCE AVE, SAINT LOUIS, MO 63122-6203
Document Number	0253842591
Book / Page	25384 / 2591
Map Reference	MB 38 PG 75
Instrument Date	Feb 18, 2022
Instrument	2022022300307
Transaction Type	Transfer
Record Updated	Feb 15, 2024
Title Company	CONTINENTAL TITLE HOLDING COMPANY, CONTINENTAL TITLE HOLDING CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5843 ENRIGHT AVE, SAINT LOUIS, MO 63112-2301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 COMMERCE AVE, SAINT LOUIS, MO 63122-6203

Mortgage

Document Number	2022022300308
Date	Feb 23, 2022
Instrument	2022022300308

Lender

Name	RANDALL MORGAN
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Aug 1, 2022

Interest

Rate	4%

August 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MO
Recording Date	Aug 24, 2021
Property Address	245 COMMERCE AVE, SAINT LOUIS, MO 63122-6203
Document Number	0246410172
Book / Page	24641 / 172
Map Reference	MB 38 PG 75
Instrument Date	Oct 9, 2020
Instrument	2021082400130
Transaction Type	Transfer
Record Updated	Feb 15, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MO
Recording Date	Jan 27, 2022
Property Address	245 COMMERCE AVE, SAINT LOUIS, MO 63122-6203
Document Number	0248510029
Book / Page	24851 / 29
Map Reference	MB 38 PG 75
Instrument Date	Oct 9, 2020
Instrument	2022012700288
Transaction Type	Transfer
Record Updated	Feb 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 COMMERCE AVE, SAINT LOUIS, MO 63122-6203
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Municipality	Kirkwood City
Unified School District	Kirkwood R-VII School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$25,820 (-) Land $15,690 Building $10,130	$135,900 (-) Land $82,600 Building $53,300
2025	$1,476.00 (+4.68%)	$25,820 (+16.52%) Land $15,690 Building $10,130	$135,900 (+16.55%) Land $82,600 Building $53,300
2024	$1,410.00 (+1.59%)
2023	$1,388.00 (-5.13%)	$22,160 (+7.83%) Land $8,040 Building $14,120	$116,600 (+7.76%) Land $42,300 Building $74,300
2022	$1,463.00	$20,550 Land $9,040 Building $11,510
2021			$108,200 Land $47,600 Building $60,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 10, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	4 (1993–2013)
Most Recent Claim	Aug 2013
Claims by Event	Flooding, Jul 2011 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KIRKWOOD PWS serves 28,000 people · EPA ID MO6010430
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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